11. Who is in Control of Your Time & Money?
No Control of TIME. Control of TIME.
No Control of MONEY. Control of MONEY.
Employee Business Owner
Has a job. Owns a system.
Income based on position, not the person. Has others working for him/her. Unlimited income
potential via manufacturing, marketing, etc.
Self-Employed Investor
Owns a job. Has money working for them.
Dentist, doctor, lawyer, hair stylist, real estate Enjoys complete freedom and lives the dream.
agent, salesperson.
Limited control of TIME. Control of TIME.
Limited control of MONEY. Control of MONEY.
The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks
of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.
12. Who is in Control of Your Time & Money?
Self-Employed
Investor TIME.
Control of
No Control of TIME.
Owns a of MONEY.
Control job.working for
No Control of MONEY. them.
Has money lawyer, hair stylist, real
Dentist, doctor,
Business Owner
Enjoys complete freedom and lives the dream.
estate agent, salesperson.
Employee
Owns a system.
Control control of TIME.
Limited ofworking for him/her. Unlimited
Has others TIME.
Has a job.
income potential via MONEY. the person.
Control control of
Limited of MONEY.
Income based on position, not
manufacturing, marketing, etc.
13. Who is in Control of Your Time & Money?
No Control of TIME. Control of TIME.
No Control of MONEY. Control of MONEY.
Employee Business Owner
Has a job. Owns a system.
Income based on position, not the person. Has others working for him/her. Unlimited income
potential via manufacturing, marketing, etc.
Self-Employed Investor
Owns a job. Has money working for them.
Dentist, doctor, lawyer, hair stylist, real estate Enjoys complete freedom and lives the dream.
agent, salesperson.
Limited control of TIME. Control of TIME.
Limited control of MONEY. Control of MONEY.
The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks
of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.
15. PRIMERICA
•Listed on the NYSE under symbol (PRI)
•Approx. 100,000 Representatives
•Over Six Million Clients
•In Business Since 1977
16. Tonight is about Freedom
Life Insurance Managed Accounts1,4
Annuities1,3
Debt Solutions1,2
Primerica
DebtWatchers™
Offered by Primerica Client
Services, Inc. through contractual
®
agreement with 401(k) Plans1,3
Auto & Home Insurance
Referral Program
Mutual Funds3,5
Quotes from such companies as:
Travelers
Safeco
Progressive
Long Term Care Legal Protection
24. Bob And Susan Smith (Ages 35 And 33) With Two Children
Before Primerica With Primerica
Debt1: Debt1:
Bob and Susan had $165,000 1st mortgage They enrolled in Primerica DebtWatchers™, and created a Fast Pay
loan balance; payoff in 24 years and had Plan to eliminate all credit card debt, save four years of mortgage
a total balance of $13,000 on three credit loan payments and over $56,000 in total interest.
cards; payoff in 58 years. (with $0 extra payment)
Debt free? Debt free at age 55
Life Insurance2: Term Life Insurance3:
$150,000 coverage on Bob $300,000 coverage on Bob,
$150,000 coverage on Susan $300,000 coverage on Susan and
No protection on the children. $25,000 on each of the children.
Total monthly cost: $298* Total monthly cost: $123
Saved: $175 per month
PLPP: PLPP4:
Bob & Susan had NO WILL. Bob & Susan SET UP A WILL and got access to a respected,
full-service law firm ($25 per month)
Auto & Home: Auto & Home:
Bob & Susan were paying $243 per month Now they pay $178 per month
for auto & home insurance. Saved: $65 per month on their auto and home insurance
Retirement: Retirement3:
Bob & Susan had $20,000 in an IRA at the bank Rolled over $20,000 IRA into mutual funds.
earning 3%, with $100 per month contributions. Monthly contributions increased to $300.
Accumulated savings at age 67 = $116,000 Accumulated savings at 9% at age 67 = $1,022,000
Extra invested: $200 per month
A or B
27. Career Field
Career Training Additional Total Licensing
Recruits Observations Bonus Bonus Activity
Receive credit
1 1 $100 $100 for attending
pre-licensing
class
2 2 $200 $300 Get life
licensed and
3 3 $300 $600 make first
personal life
sale
4 4 $400 $1,000
28.
29. District Leader: Part-Time
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Total cash for the month: $4,868
And even if you did about half of that,
you could still earn $2,628!
If you could potentially earn $20,000 to $40,000 a year
part-time without jeopardizing your job, would that interest you?
30. Regional Leader: Part-Time
Personal:
5 clients in one month
5 life sales
3 IRA rollovers Override:
1 Primerica DebtWatchers™ 3 District Leaders
2 A&H 6 clients in one month
2 PLPP 6 life sales
3 IRA rollovers
Equals: $6,545 3 Primerica DebtWatchers™
3 A&H
2 PLPP
Equals: $1,973
Total cash for the month: $8,518
Once you reach $50,000 to $80,000 a year in income,
would you consider making a career change?
31. Regional Vice President
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Equals: $9,065
Override:
3-6 District Leaders
12 clients in one month
12 life sales
5 IRA rollovers
3 Primerica DebtWatchers™
3 A&H
3 PLPP
Equals: $9,535
Bonus: $3,500
Total cash for the month: $22,100 ($250,000/yr.)
32. Regional Vice President
Senior Vice President
RVP
$22,100/mo. $6,500/mo.
$150,000/yr.
RVP
$6,500/mo.
$150,000/yr.
RVP
$6,500/mo.
$150,000/yr.
Total cash for the month: $41,600 ($500,000/yr.)
33.
34. 1
Fill out your Independent Business Application
(IBA)
35. Fill out your Independent Business Application (IBA) — $99
Value includes:
State license fee
Exam fee
Fingerprint/background check
PFSU pre-licensing
Total: worth approximately — $600
Total fees vary for each state
36. 2
Register for your Online Business Support System
(POL)
1
Fill out your Independent Business Application
(IBA)
37. Online Business Support System (POL) - $25/month
Value includes:
Cell phone discount $100-$250/year
Your own website and business reports $600
Access to live and on-demand video training $400
Qualify to have securities license paid for $500
Morningstar financial analysis software* $4,000/year
Total: worth approximately — $6,000
*Must be securities licensed
38. 3
Get off to a fast start!
(FSP & FNA)
2
Register for your Online Business Support System
(POL)
1
Fill out your Independent Business Application
(IBA)
39. Get off to a fast start!
•Set up a time within the next 24-48 hrs to do your Personal
Financial Needs Analysis and your Personal Business Game Plan
(Fast Start Planner.)
•Qualify for a bonus up to $1,000 when you get
trained, licensed and producing. (See company brochure for details.)
48. To have $1 million at age 65, would you rather save:
$1,000,000
25 65
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
49. To have $1 million at age 65, would you rather save:
$1,000,000
25 35 65
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
50. To have $1 million at age 65, would you rather save:
$1,000,000
25 35 45 65
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
51. To have $1 million at age 65, would you rather save:
$1,000,000
25 35 45 55 65
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
52. To have $1 million at age 65, would you rather save:
$1,000,000
25 35 45 55 60 65
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
55. Auto & Home, Ways to $ave Money
Primerica Secure:
Largest Comparative Quoting System
20+ Top National Insurers
Quotes from companies such as:
Travelers, Safeco, Progressive, Hartford, 21st Century, esurance
Before Primerica After Primerica
Auto & Home: Auto & Home:
John & Mary were paying Saved: $65 per month on their
$243 per month for auto & auto & home insurance…
home insurance. $65 mo @ 10% for 20 years =
$49,000 (college fund)
The more you save, the more to invest…
The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from
Answer Financial based on their responses to the survey and their estimated savings statements during 1/1/2009 and 3/31/2009. It is unlikely an investment would grow 10% on a consistent basis, given current market
conditions. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results.
56. Cash Value Life Insurance vs.
Buy Term and Invest the Difference
$669,948
Cash Value Life Insurance Buy Term and Invest
Whole Life, Universal Life, Variable Life
SAME the Difference
$298
$300,000 $300,000
$150,000 $150,000 $175
$298
? @10%
$123
John Mary Monthly Cash John Mary Monthly Investment
age 35 age 33 Premium Value age 35 age 33 Premium at 70
(35-year Level Term, $25,000 on two children)
Which program would you want?
Monthly premium for cash value policies is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal
life, whole life or variable life, and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy.
Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35-year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of
$25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued
investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual
investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.
58. Solution: Debt Stacking
Age 35
As each debt is paid off, you apply the
Retail Card 1 $220
$220 + $220 amount you were paying to that debt to
the payment that you were making on
Credit Card 2 $353 $353
$573 + $573 the next target account.
Car Loan $551 $551 $1,124
$551 + $1,124
Credit Card 1 $303 $303 $303 $1,427
$303 + $1,427
Mortgage $1,293 $1,293 $1,293 $1,293 $2,720
$1,293
Total $2,720 $2,720 $2,720 $2,720 $2,720
23 years to pay off debt and $214,442 in interest paid
Paid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643
(Age 44) Once debts are paid off, invest $2,720 each month at 10%
@ Retirement … Age 67 = $2.8 million
Do Financial Companies Want You To Know This?
The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward
that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the
example above, when the retail card is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to the ca r loan for a total payment of $1,124. The process is then continued
until all debts are paid off. Note that the total payment per month remains constant. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. The hypothetical assumes a constant nominal 10% rate of
return compounded monthly, unlike actual investments, which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44). It is unlikely an investment would
grow 10% on a consistent basis, given current market conditions.
60. Are You Giving the Government
an Interest-Free Loan?
Average 2010 tax refund = $3,129
$3,129/12 months = $260/month*
$260 Monthly Overpayment for 35 years (Age 35-70)
If you make:
0% interest $109,200
3% interest $192,807
6% interest $370,425
12% interest $1,672,049
The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are
nominal, compounded monthly. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower
results. *CNNMoney.com, March 4, 2011
62. People Don’t Plan to Fail, They Fail to Plan
The Problem: The Solution:
Traditional financial institutions sell you products. A Financial Needs Analysis.
They don’t provide you with a total solution. A customized, confidential and
complimentary program that helps you
Mortgage achieve your goals and dreams.
Bank Accounts YOU Installment Loans
A Financial GPS
Savings Accounts
It helps you find answers to important
questions.
63. Five Reasons People Get Involved
1. They don’t like their current job and are looking for a
career change & better income potential.
2. They love what they do… but earning extra part-time
income each month would make a positive difference.
3. They want to get a financial education so they can
learn how to win the money game.
4. They love helping people and making a difference.
5. They dream of having their own business.
Can you see how most people would be
interested in at least one of these areas?
64. Tonight is about Freedom
Freedom is about YOU being in control
of your life and not having someone else
dictate what you can and cannot do,
what you can and cannot have, what you
can and cannot become!
65. Tonight is about Freedom
Are you living your Dream?
Or just getting by in your life,
letting your future rest in
someone else’s hands?
66. Tonight is about Freedom
What can you do to stop
“getting by” and start getting
ahead? Consider your options
and make a change to break
the chains of financial
dependence.
67. Tonight is about Freedom
Option 1:
– Are you willing to give up some of your dreams?
Which would you be willing to give up?
• Your child’s college/university education?
• Your retirement?
• Your dream house?
– How can you possibly choose?
68. Tonight is about Freedom
Option 2:
– Work more and spend less time with your
family?
• Would you be able to juggle two or even
three full-time jobs? Would you still be able
to give your family that most precious gift of
all – your time?
69. Tonight is about Freedom
Option 3:
– Start a Business
• Many consider starting a business. However,
high start-up costs, capital investments and
fear of failure prevent many from going
forward with the idea.
– Have you ever thought of starting a Business?
70. Tonight is about Freedom
What if there were a way to easily
transition into building a business:
– Without investing a large sum of money
– Without “reinventing the wheel”
– Without needing to figure out everything on
your own
– Without giving up your present job
Would you be interested?
71.
72. What is Most People’s Reality?
100 people at age 65: 5%
4% 1%
1% Wealthy ($5 million)
4% F.I. ($1 million) 36%
5% deceased
36% working 54%
54% dependent Source: SmartMoney, 2001
73. What is Most People’s Reality?
100 People at Age 65
1% Wealthy
4% F. I.
5% deceased
36% working
54% dependent
Source: SmartMoney, 2001
74. What is Most People’s Reality?
100 People at Age 65:
4% 5%
1% Wealthy ($5 Million)
4% F. I. ($1 Million) 1%
5% Deceased
36% Working
54% Dependent
Source: SmartMoney, 2001
92. Who is in Control of Your Time & Money?
No Control of TIME.
No Control of MONEY.
Employee
Has a job.
Income based on position, not the person.
93. Who is in Control of Your Time & Money?
Self-Employed
Owns a job.
Dentist, doctor, lawyer, hair stylist, real
estate agent, salesperson.
Limited control of TIME.
Limited control of MONEY.
94. Who is in Control of Your Time & Money?
Control of TIME.
Control of MONEY.
Business Owner
Owns a system.
Has others working for him/her. Unlimited
income potential via
manufacturing, marketing, etc.
95. Who is in Control of Your Time & Money?
Investor
Has money working for them.
Enjoys complete freedom and lives the dream.
Control of TIME.
Control of MONEY.
97. Life Insurance
CASH VALUE Same Buy Term & Invest the Difference
$298 $518,673
$300,000
$150,000
$298 $75K
/mo.
AGE 35 70 100 AGE 35 70 35 70
$123/mo. $175 @ 9%
